The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$109,643
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,053
−HK$3,465/mo
Today · 4.125%
HK$116,518
baseline
▲ 0.50% · 4.625%
HK$123,608
+HK$7,090/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$233,036/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,977
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,248
−HK$3,319/mo
Today · 4.125%
HK$128,567
baseline
▲ 0.50% · 4.625%
HK$135,343
+HK$6,776/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$257,134/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,571
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$135,664
−HK$4,158/mo
Today · 4.125%
HK$139,822
baseline
▲ 0.50% · 4.625%
HK$148,330
+HK$8,508/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$279,644/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,372
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$150,297
−HK$3,983/mo
Today · 4.125%
HK$154,280
baseline
▲ 0.50% · 4.625%
HK$162,412
+HK$8,132/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$308,560/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,500
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$158,275
−HK$4,851/mo
Today · 4.125%
HK$163,126
baseline
▲ 0.50% · 4.625%
HK$173,052
+HK$9,926/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$326,252/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,767
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$175,347
−HK$4,646/mo
Today · 4.125%
HK$179,993
baseline
▲ 0.50% · 4.625%
HK$189,481
+HK$9,488/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$359,986/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,357
−HK$12,376/mo
▼ 0.25% · 3.875%
HK$203,496
−HK$6,237/mo
Today · 4.125%
HK$209,733
baseline
▲ 0.50% · 4.625%
HK$222,495
+HK$12,762/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$419,466/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,558
−HK$11,862/mo
▼ 0.25% · 3.875%
HK$225,446
−HK$5,974/mo
Today · 4.125%
HK$231,420
baseline
▲ 0.50% · 4.625%
HK$243,618
+HK$12,198/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$462,840/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,551 · Scale 2, in force from 26 Feb 2026)